Scared, Confused On My Bankruptcy

[veryclose]

If there's a judgment, they'll proceed with trying to collect. It may come down to them coming around and trying to seize any assets (depending on how good the guitar is, yes they can take it if they know about it). This happened to me and prompted me to file (I also had not paid any of my cards for at least 2 or more years).

If you are planning to do the 2 weddings and put the dog into the kennel for a week, I'm assuming you're going to fund that. I would immediately tell whoever that I cannot participate in any of that because I am not working. I would then take that money, give it to the attorney and get yourself filed.

Edit: I know these weddings are probably important to you, but really in your situation I would not choose to participate. If you tell them you are not working, it really suffices - you don't need to get into the BK issue at all. Who knows, they may pay for your tux and kennel. But in no way would I be putting out that money if I had no job.

[mamaluv]

If you are planning to do the 2 weddings and put the dog into the kennel for a week, I'm assuming you're going to fund that. I would immediately tell whoever that I cannot participate in any of that because I am not working. I would then take that money, give it to the attorney and get yourself filed.

Edit: I know these weddings are probably important to you, but really in your situation I would not choose to participate. If you tell them you are not working, it really suffices - you don't need to get into the BK issue at all. Who knows, they may pay for your tux and kennel. But in no way would I be putting out that money if I had no job.

I have to agree with this...you don't have a job so you need to save whatever money you have to survive/pay your lawyer. It may take you weeks or months to find a job. I would do as suggested and let them know you cannot afford to participate and if they are not willing to foot the bill then I'd tell them I will not be taking part in it.

[franken55406]

On $11,000 debt, I would not bother filing BK. Save your money. The money you paid your attorney could of been used to settle 20 cents on the dollar.

You are currently judgement proof.

I got myself not to deep into debt, but enough to file for Bankruptcy...

I haven't paid on any of my credit card bills in over 2 years, and the reason I filed was because I got sued by one of the companies.

I also recently lost my job, and it sucks cause I only got about $450 cash in my hand.

I got two weddings I'm in and I need to rent tuxes at over $100/piece, and I need to put my dog in a kennel for a week for one of the weddings....

Will the trustee look at this?

Also what are the exemption rules in Ohio?

I don't own a house, a car, but do own 1 eletric guitar, and one acoustic, and a class ring. Also some bobbleheads, knick knacks, that sort of thing...

I have a lawyer but he's not in on the weekends....

Can I waive my bankruptcy fee and the stupid $50 fee for the classes due to the weddings?

I am only 24, and made a few mistakes with my cards, but have not used credit in over 2 years.....

I am not even sure how much I owe on the cards now, I did get a credit report but all my accounts have been written off...

Target Limit $5000, owe $5300....

Capital One Limit $1000 owe $1300

Fifth Third Bank Limit $1500 owe $1800

US BANK Limit $2200 owe $2900....

[veryclose]

On $11,000 debt, I would not bother filing BK. Save your money. The money you paid your attorney could of been used to settle 20 cents on the dollar.

You are currently judgement proof.

I understand where you're coming from, but I filed on $19,000, which isn't much more. I was also judgment proof, but the constant harassment was really upsetting, and it was worth it to me.

I had attempted to negotiate with my creditors on many occasions and most of them were unwilling to accept the payments I could afford to make.